Credit Cards

Compare credit cards from all of the major issuers (some of which are CardHub advertising partners) and quickly find the one that best fits your needs. Start by using the filters on the left to narrow down your search. To apply for a credit card, simply click the "Apply Now" button and we will connect you directly to the respective issuer’s secure online credit card application.

We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

Expert’s Answers

Do I need a credit card and if yes what type?

By: Odysseas Papadimitriou, CardHub CEOWe believe that most people should have a credit card as it is the easiest way to add positive information to your major credit reports on an ongoing basis and thereby build and maintain your credit history. Whether or not you use it depends on whether it will cause you to spend more than you would otherwise. If it does not, credit cards offer a number of advantages in that they allow you to earn rewards, pay for big-ticket purchases over time, lower the cost of existing debt through balance transfers, save on foreign currency conversion, shop online, rent cars, and easily track and manage small business spending, among many other things.
Credit cards are not one size fits all. Not only does your credit standing dictate what offers you’ll be able to get approved for, but different people require different terms and features from their credit cards, depending on income as well as spending and payment habits. Below you will find some general guidelines that will help steer you toward the best credit card for your particular needs.

If you have trouble garnering credit card approval or have bad credit history, your best bet is a secured credit card.

If you pay your bill in full every month, focus your credit card comparison on maximizing the free money you bring in by identifying the best rewards credit card and ignore APRs

If you're a small business owner, use a personal credit card for company purchases that you will not be able to pay for in full so that you can benefit from CARD Act protections. Use a business rewards credit card for everyday company expenses in order to get the enhanced expense tracking and centralized rewards earning features unique to business-branded cards. After all, small business owners are held equally liable no matter what type of card they use, according to a Card Hub study.

With all of that being said, if you're already in financial trouble (e.g. late on payments, in collections, etc.), getting access to credit – while one of the easiest ways to overcome financial difficulties in the short term – will be almost impossible. No one will be able to extend you a line of credit other than friends and family because of concerns that doing so now will only get you into deeper trouble in the long term, which will make it harder for them to get their money back. Depending on the exact nature of your situation, you might need to explore debt solutions options in order to figure out what your next step should be.

Why is my credit standing important to my credit card search?

By: John Kiernan, Personal Finance EditorYour credit standing indicates your fiscal responsibility and trustworthiness to credit card companies and underwriters. It thereby dictates which loan and credit card offers you can qualify for as well as the interest rates you’ll have to pay. Not only is it a waste of time to apply for a credit card that requires better credit standing than what you currently have, but racking up denials on your credit card applications can lead to credit score damage. Keep in mind that the importance of your credit score extends beyond interest rates and card eligibility to things like car insurance premiums, the security deposit you’ll have to place in renting an apartment, and even your ability to get certain types of jobs.

Quick Tips

By: John Kiernan, Personal Finance Editor

Always compare credit cards before applying; there’s no way of telling whether you’re getting the best deal otherwise, and marketing can be deceiving

You should only consider applying for a credit card if it matches your credit standing.

You should not submit more than a couple credit card applications within a short period of time, as this can lead to a roughly six-month dip in your credit score.

What’s the best way to apply for a credit card?

By: Odysseas Papadimitriou, CardHub CEOWhile we’re all used to being able to apply for major credit cards through the mail, the fact that online credit card applications are becoming more and more common might lead you to wonder about the best application method. The truth is that the way in which you apply is merely a matter of personal preference, but making an educated decision about the card you wish to get should not be.

You can’t evaluate credit card offers in a vacuum; you need to view each in light of what the rest of the market has to offer. Sure, you can lay a bunch of credit card applications side by side on your kitchen table and do your due diligence that way, but at Card Hub, comparing hundreds of credit cards is as simple as a few clicks of your mouse.

Once you identify the card for which you’d like to apply, you may have up to four choices for how you’d like to submit your application, depending on the bank: 1) via mail; 2) over the phone; 3) online; or 4) at an actual bank branch. For those of you concerned about sharing personal financial information over the Internet, every online credit card application is encrypted using SSL technology, and you can read more about our data protection practices here.

What’s the best credit card company, and what's the best card network?

By: Odysseas Papadimitriou, CardHub CEOIn practical terms, your card's network really only matters if you plan on traveling overseas given that Visa and MasterCard are much more widely accepted abroad than Discover and American Express. Just make sure to get a no foreign transaction fee credit card on one of these networks, and you will be all set for your international travels.

When it comes to deciding on credit card offers from different companies (e.g. a Capital One credit card vs. a Citibank credit card), we recommend that you focus on getting the best interest rates and rewards possible since the money you save by doing so will benefit you more in the long term than things like better customer service.

I had a bad experience with my credit card a few years ago, what's different now?

By: John Kiernan, Personal Finance EditorThe CARD Act is what's different now. The new credit card law, which went into effect in February 2010, increased transparency in the credit card industry and dramatically strengthened consumer rights. Among the highlights of the law are provisions that lower penalty fees, eliminate arbitrary interest rate increases on existing balances, require better communication between issuers and consumers, and provide for favorable allocation of payments. Whereas many credit card offers used to be characterized by bait-and-switch tactics, you can now trust that what you see during the course of your credit card comparisons is what you get and that the benefits of using a credit card will not be marred by shady practices. While the CARD Act unfortunately does not apply to business credit cards, any company that offers credit cards is not held to a higher standard.

What if I have questions about my existing credit card account?

By: John Kiernan, Personal Finance EditorIf you have specific questions regarding an existing credit card account (e.g. problems with your monthly statement or logistical issues), contact its respective issuer directly by calling the number on the back of your card. Credit card companies do not share any information with Card Hub that will allow us to help you with any account-specific issues.

Nevertheless, we hope that you ask general credit card questions (e.g. questions about types of cards, strategies, terminology, etc.) and share your experiences on Card Hub. You see, our credit card finder tools help you identify the right credit card offer for your needs, but those tools become better the more consumers rate and write reviews for cards that they have used.

Neither a secured credit card nor a prepaid card comes with money already on it. The only type of card that will let you borrow money is an unsecured credit card. The above offers are unsecured. To check out secured credit cards (a better option for people with no or damaged credit), please visit: http://www.cardhub.com/credit-cards/secured/

You can find a wide selection of no foreign transaction fee credit cards here: http://www.cardhub.com/credit-cards/foreign-transaction-fee/. If you truly want a fee-free card, choose one of the offers with no annual fee.

I use a Capital One credit card. I wish it would show breakdowns of what I spend my money on. It would be nice to see how much I'm spending on groceries, gas, and non-essentials like entertainment. I would like to be able to compare these figures from month to month.

I wish my card didn't have such high interest rates. I think it's missing flexibility. There should only be an interest charge if you miss payments consistently. It'd also be nice if I could get balance updates sent directly to my phone instead of my e-mail where I usually skim right passed it.

I use a Capital One credit card and find it one of the best and easiest to obtain. They are focused on the consumer and have a desire to help people rebuild their credit. You may only get a small credit limit when you start but usually you have a period of time without interest being charged. After a period of about 6 months that you have used the card and paid on time you will be given the opportunity to raise your limit a couple hundred dollars.

One of the reasons why I love my American Express Blue Cash Everyday card is because of the one-year extended warranty that it offers when a purchase is fully charged on it. I had a microwave that went bad a few months after the manufacturer warranty expired and American Express gave me a full refund for the microwave without any issues! I absolutely love it!

I have a couple of cards with different benefits. I like the benefits I receive with my Bank of America cash rewards credit card. There is no annual fee. I can apply that money to my balance. There was no annual percentage rate for the first year. I liked receiving cash rewards. I was able to receive cash rewards when I used my card for groceries. I received cash rewards for gas purchases as well. The card also has an electronic chip. I am concerned with security so I am glad to have the chip.

I wish that I didn't have to activate my bonus categories every three months for one of my cards. It's a real pain and what if I forget? Then I'm missing out. On another card, I don't have to activate bonus categories but I can only cash out my cash back in increments of $25. I feel like I should be able to get my cash back in any amount as long as I've earned it.

Really wish I didn't have to go and sign up every 3 months for the "bigger" cash back rewards. It's something that I easily forget and lose out on the extra cash back, I would switch to another card if there was one that signed me up automatically. The other thing that would be nice is if you could just cash out online and not have to call, I have one card that I have to call and that is a kind of a pain as well.

I have a few credit cards with various rewards such as 2x cash back at various places, no blackout dates, and sign up bonuses. I really wish a credit card had all of these things. It seems that every card only picks one thing to be focused on rather than on the overall experience. If there were a card that had all of those things in one card I would sign up for that in a heartbeat.

I have a pretty decent credit card already (Capital One Venture card, got it a few years ago, great because I do alot of traveling for work) - it has great rewards for travel and bonus miles , but it unfortunately had an "introductory" APR that has skyrocketed now, and there is an annual fee :P Thinking of trying to apply for their Venture ONE card that has better rates and no annual fee.

My credit card has some good rewards and cash back options, but they change each quarter. Sometimes the stores they choose for for extra cash back are irrelevant to me, or they're places that aren't close to me. This is especially annoying during the holiday season when I shop at a particular place that was on the extra cashback the quarter earlier. I wish there was an option to choose which stores you'd like to be eligible for the bonus cash back, so that it will be more useful. I would definitely consider switching credit card providers for this feature.

I'm thinking about switching from my Bank of America credit card because the APR is 24% which is exceedingly high. I wish it had more features like cash back or rewards, it has neither and it also has annual/monthly fees. I made a poor choice when I signed up for this card a few years ago.